News & Events
- Certificate Rate Sale
- Important Notice Regarding Mobile Deposits
- Shred It Days Upcoming Schedule
- Our Current "Directions" Newsletter
12-month Investment Certificate rates as high as 1.50%APY*
Save with peace of mind knowing that your money is earning great returns in a North County Credit Union Investment Certificate. Start with as little as $5,000!*
Worried about locking in funds should rates rise? Ask about our new Flex Certificate option which gives you the choice of bumping up your rate one time during the term of your investment or making a partial or full withdrawal without any penalty. Ask for details.
Scurry though! This is a limited time offer.
*APY = Annual Percentage Yield. APY and term for 12-month Investment Certificate accurate as of 9/6/2018 and subject to change without notice. Minimum opening balance of $5,000 for 12-month certificate to earn 1.50% APY. Early withdrawal penalty applies to all Investment Certificates. Fees could reduce earnings. These Investment Certificates will automatically renew to a non-promotional certificate upon maturity. Investment Certificates maturing during the promotional period will not automatically renew to the promotional rate. You must call (858) 487-1880 or visit any of our branch locations to take advantage of this promotional rate on new and/or renewing Investment Certificates.
Early Withdrawal Penalties: A penalty will apply for principal withdrawals of Investment Certificate made prior to maturity. The penalty imposed shall be as follows:
a) all dividends for 90 days on the amount withdrawn, or
b) all dividends on the amount withdrawn since the date of issuance or renewal, whichever is less, with a minimum equal to 7 days dividends, or
c) if a withdrawal reduces the balance below the required minimum, the account shall be closed and a loss of dividends as in a or b above, whichever is less, will be assessed on the entire amount in the account.
Penalty-free withdrawals are only allowed as required by law.
Beginning September 10, 2018, a change will be required to your endorsement on the back of your mobile check deposits using our Mobile App.
Your signature and “For Mobile Deposit at NCCU” will be required for all checks deposited with our mobile app. This new requirement comes from a banking regulation change and applies to all mobile deposits at all financial institutions, not just for North County Credit Union and its members.
Unfortunately, if you deposit a check using our mobile app without this endorsement, the check will be returned and you’ll receive notification that your deposit was rejected. The rejection reason code will state: "For mobile deposit at NCCU needs to be written on back of the check.”
To help ensure that your checks are deposited conveniently and quickly using our Mobile App, please begin using this endorsement as soon as possible.
As mobile banking has grown in popularity, so has the number of fraudsters looking for ways to defraud consumers and financial institutions. This simple change will help protect your money.
If you have any questions, please reach out to us at 858-487-1880 or by email.
We offer free Shred It Days* the last Wednesday, Thursday and Friday of each month. Grab your old receipts, statements or other personal documents you want to get rid of and bring them by our branch. You can shred up to four boxes – free!* We’ll shred it. Please just remove all clips and metal fasteners beforehand.
Upcoming Shred It Days:
- September 26, 27, 28
- October 24, 25, 26
*Up to four boxes of paper per person. North County Credit Union reserves the right to limit or refuse items to be shredded.